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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,158 | $64,729+20.7% | $112,263-30.4% | $68,490+14.1% |
| Participation rate | 96.0% | 67.2%+28.8pp | 75.1%+20.9pp | 67.9%+28.1pp |
| Annual return | -13.73% | -11.40%-2.3pp | 27.49%-41.2pp | -7.85%-5.9pp |
| Employer contribution / active EE | $2,477 | $2,746-9.8% | $3,636-31.9% | $2,597-4.6% |
| Participant deferral / active EE | $3,588 | $3,566+0.6% | $4,729-24.1% | $4,028-10.9% |
| Admin fee / account holder | $693 | $5,222-86.7% | $6,410-89.2% | $5,403-87.2% |